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  <xs:element id="pgr_DistributionExpenses" abstract="false" name="DistributionExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pgr_OtherUnderwritingExpenseAdjusted" abstract="false" name="OtherUnderwritingExpenseAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pgr_PretaxUnderwritingProfitLoss" abstract="false" name="PretaxUnderwritingProfitLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pgr_NonInsuranceServiceIncomeLossAdjusted" abstract="false" name="NonInsuranceServiceIncomeLossAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pgr_UnderwritingMargin" abstract="false" name="UnderwritingMargin" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="pgr_O2024ADividendsMember" abstract="true" name="O2024ADividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2023ADividendsMember" abstract="true" name="O2023ADividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2025Q3DividendsMember" abstract="true" name="O2025Q3DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2025Q2DividendsMember" abstract="true" name="O2025Q2DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2025Q1DividendsMember" abstract="true" name="O2025Q1DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2024Q4DividendsMember" abstract="true" name="O2024Q4DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2024Q3DividendsMember" abstract="true" name="O2024Q3DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2024Q2DividendsMember" abstract="true" name="O2024Q2DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2024Q1DividendsMember" abstract="true" name="O2024Q1DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_O2023Q4DividendsMember" abstract="true" name="O2023Q4DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_ComponentsOfOtherComprehensiveIncomeLossTable" abstract="true" name="ComponentsOfOtherComprehensiveIncomeLossTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="pgr_ComponentsOfOtherComprehensiveIncomeLossLineItems" abstract="true" name="ComponentsOfOtherComprehensiveIncomeLossLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pgr_AccumulatedOtherComprehensiveIncomeLossBeforeTax1RollForward" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossBeforeTax1RollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pgr_AccumulatedOtherComprehensiveIncomeLossTaxRollForward" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossTaxRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pgr_AccumulatedOtherComprehensiveIncomeLossNetofTax1RollForward" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossNetofTax1RollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pgr_NumberOfStatesClassesCertified" abstract="false" name="NumberOfStatesClassesCertified" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pgr_OfficerTradingArrangementMember" abstract="true" name="OfficerTradingArrangementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_JonathanS.BauerMember" abstract="true" name="JonathanS.BauerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pgr_JohnP.SauerlandMember" abstract="true" name="JohnP.SauerlandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
